Protecting Your Vehicle
Loss or damage to your car or its contents (property)
Collision
Pays to fix your car after an accident (collision) with another vehicle or other stationary objects such as a guard rail, curb, or light pole.
Comprehensive
Provides coverage for damage to your car caused by something other than hail, windstorm, earthquake, glass breakage, vandalism, or theft.
Parked auto collision
If your car is parked and unoccupied and it is damased by a hit-and-run driver, this coverage pays for the cost of repairing it. Most companies waive the deductible in this event.
Personal property coverage
Pays for personal property belonging to your family (such as coats, cameras, etC、) that is damaged or stolen while in your car.
Coverage for electronics
Overage furnished for electronics that are permanently installed in your vehicle, such as televisions, telephones, fax machines andDVD、players and for factory-installed electronics and computer equipment.
Air bag replacement coverage
Pays for the cost of reinstalling a factory-installed air bag even if one is activated without being involved in an accident.
How Much WillAuto InsuranceCost
Drivers are grouped according to the level of risk each one poses-that is, the amount paid by insurers in each category of policyholders. Insurance companies group drivers in the following way:
·Sex: Men have more accidents on the road than women.
·Age: under 25 (and for some insurers, under 30).are considered more likely to have an accident.
·Marital Status: Married drivers tend to have fewer-accidents than single drivers.
·PersonalDriving Record: Years of driving experience, accidents, speeding tickets and drunk-driving offenses are all factors in determining how much of a risk you pose as a motorist.
·How You Use Your Vehicle: If you commute by car during rush hours, you are at greater risk of having an accident than if you only drive for errands and recreation on the weekends.Drivers who use their own vehicles for business also are considered to be at a greater risk.
·Types of Vehicles: The value, size, weights, age of your vehicle, even the cost of replacement parts are essential to determining the price of your insurance. Larger, heavier-vehicles are considered at lower risk than smaller, lighter ones. More expensive cars are costlier to have repaired than economy models so the premium is higher.
Which is NOT included in the coverage of electronics
A、Factory-installed radio
B、Permanently-installed telephone
C、Factory-installed computer
D、Temporarily-installedDVD、player

ABERDEENAPARTMENTCOMPLEX
SAFETY REGULATIONS
As a new resident of this apartment complex, you and your family need to ensure that you review the following safety regulations. It is up to you to adhere to all of these rules and procedures. To maintain our safety standards in this apartment complex, we ask each resident to:
* Pay attention to the dangers that exist in and around your apartment and take measures to ensure the safety of yourself and your family.
*Contact the apartment administration of any safety concerns and provide suggestions on how to fix the problem.
* Use hand railings when walking up and down the stairwells.
*Comply with the safety regulations provided in each of the apartment’s elevators.
* Report any injury suffered on the apartment premises immediately.
* Use fire extinguishers and fire alarms whenever you notice fire or smoke in the apartment complex.
On behalf of the apartment administration we hope that you will follow these regulations and avoid injury. If you do sustain an injury, however, we want to ensure that you receive immediate medical attention. Please report injuries as soon as they occur so that the apartment administration can assist you in receiving medical attention. Thank you.
ACCIDENT REPORT
AberdeenApartmentComplex
Name of Injured Person: Susan Myers
Name of Injured Person: September 4
Nature of the Incident:Broken wrist
When and where the incident occurred: 4:45 p.m. west stairwell
Summary Report:
On Thursday, September 4th, at approximately 4:45 p.m. Susan Myers, age 65, slipped on the west stairwell on the 3rd floor and suffered a broken wrist. Mrs. Myers was proceeding down the stairs on her way to the lobby to meet her daughter when the incident occurreD、Mrs. Myers then used her cell phone to call an ambulance, which arrived approximately 10 minutes later. Mrs. Myers reported this incident to apartment staff on September 7th, after she had returned from visiting her daughter.
Name ofApartment Staff Filling inAccident Report: Judith Maddison
Date: September 7
What apartment safety regulation did Mrs. Myers not comply with
A、She chose to take the stairs instead of the elevator.

B、She didn’t report the incident immediately.

C、She left the apartment premises to visit her daughter.
D、She didn’t use the hand railing.

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